Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$36,887Cash toward the purchase price.
Closing costs + prepaids$15,203Not just lender fees.
Before credits & paid funds$52,090The complete starting cash picture.
Estimated remaining funds due at closing
$52,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,887.04
Your down payment$36,887.04
Closing costs + prepaids$15,202.74
Total buyer cash needed$52,089.77
Remaining funds due$52,089.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,060.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,122.50
Prepaid interest, first (29 days)$2,311.67
Fees + prepaids$15,202.74
Your down payment is the seller’s equity. You take over the $412,113 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $52,089.77 is due at closing. Uses and sources reconcile at $464,202.74 each. Not a Closing Disclosure.